One of many greatest and fewer identified benefit of holding American Categorical Credit score Card in India is their Insurance coverage Presents. I’ve been availing their Automobile Insurance coverage profit for previous 2 years and have saved over 35% on premium in comparison with the common charge out there.
However I’ve by no means checked their medical health insurance gives previously as I used to be fairly ignorant concerning the world of well being Insurance coverage. After I not too long ago checked their Insurance coverage provide, I used to be shocked that I’ve been lacking out on this for years. In the event you’re new to Amex Well being Insurance coverage, right here’s every little thing it’s essential know.
Amex Well being Insurance coverage (Picture: Amex)
Amex Well being Insurance coverage Presents
Amex has a number of customised medical health insurance plans with wellness advantages with covers starting from 5L to 1Cr primarily based on the wants of its cardholders. The smaller/particular person covers upto 10L are offered by ICICI Lombard, whereas the excessive covers are offered by Bharti AXA.
Among the many two, I see the ICICI Lombard provide could be very engaging (for my wants) and that’s what I opted for. Whereas the same insurance coverage plan can also be obtainable with ICICI Lombard, there are specific benefits if you happen to undergo Amex.
OPD Profit (Covers Specs) Devoted HelplinePriority claims processingNo TPA
Crucial profit in response to me is OPD profit which could be very uncommon and particularly because the expense on spectacles (lens a part of the invoice) is roofed, the plan matches completely for me.
You may additionally get your Fitness center/Yoga & different physician session payments re-imbursed as part of OPD profit. Keep in mind, the direct ICICI coverage doesn’t have the Spectacles profit.
So I went for the 10L Cowl that prices me ~Rs.14,700 p.a. (varies with age) with Rs.10,000 OPD profit. Now that’s like paying Rs.four,700 for 10L cowl. It will get even higher if you happen to fall underneath excessive earnings tax slab as the quantity you save underneath tax deduction can be vital.
To get the Amex Well being Insurance coverage Coverage, all it’s essential do is name the Amex Insurance coverage line. They’ll do the formalities and cost the cardboard immediately in ~2 days. The method is normally fast and also you get the paperwork each gentle copy & exhausting copy inside 10 days.
The ICICI Lombard Well being Care card is bit easy and feels low-cost. I want it appears extra premium. Yup, first world issues 😀
I’ve been ignoring medical health insurance for very long time and eventually I’m more than pleased to seek out the very best ever provide that matches my wants. Even-though I do know that I can get higher charges by going with ICICI Lombard immediately, I went by means of Amex for the distinctive OPD profit and the peace of thoughts that American Categorical gives.
This provide is restricted to American Categorical Main Cardholder & his/her household.
Simply incase if you’re not within the Amex ecosystem but, listed below are a few of playing cards price making use of,
Do you’ve gotten Medical insurance from Amex or from another suppliers? Be happy to share your experiences within the feedback beneath.